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S & U(LSE) SUS

Market Cap£237.24MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1992)+11,703%
5 Year-30%
1 Year+4%
1 Month-2%
£19.55
+0.26%
+0.05Today
S & U last closing stock price
MetricPriceDate
Last closeGBX 1,955.002026-08-07
S & U stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.51%GBX 1,945.002026-07-31
1 month-1.51%GBX 1,985.002026-07-08
3 month-4.17%GBX 2,040.002026-05-08
Year to date-6.01%GBX 2,080.002025-12-31
1 year+3.99%GBX 1,880.002025-08-07
3 year-17.51%GBX 2,370.002023-08-08
5 year-30.18%GBX 2,800.002021-08-06
Since inception+11,703.06%GBX 0.171992-01-02

S & U Financials at a Glance

Market Cap

£237.24MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

£194.57M

Net Income (TTM)

£41.63M

EPS (TTM)

£1.95

P/E Ratio

10.00

Dividend

£1.15

Beta (Volatility)

0.01 (Low)

Price

£19.55

Volume

128

Open

£19.55

Previous Close

£19.50

Daily Range

£19.55 - £19.55

52-Week Range

£16.20 - £24.59

Estimated Earnings Date

Apr 21, 2026

SUS News

No articles available.

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About S & U

S&U plc is a prominent holding company specializing in motor finance services, with operations extending into property bridging finance. Established in 1938 and headquartered in Birmingham, the company has built a solid reputation in the financial services sector.

Products and Services
  • Motor finance solutions for vehicle purchases
  • Property bridging finance for real estate transactions
  • Comprehensive financial services tailored to customer needs
Growth Outlook
  • Revenue increased to £55.68 million in Q4 2025, reflecting strong demand
  • Net income rose to £12.11 million, showcasing effective cost management
  • Consistent growth in motor finance segment supports future expansion
Financial Highlights
  • Trailing twelve months (TTM) revenue of £205.5 million indicates robust performance
  • Net profit margin of 22.07% demonstrates strong profitability
  • Dividend yield of 5.91% offers attractive returns for investors
S&U plc operates in the financial services industry, focusing on motor finance and property bridging finance. The company has shown resilience and adaptability in a competitive market, with a notable increase in revenue and net income in recent quarters. The growth in the motor finance segment is particularly promising, as it aligns with the increasing demand for vehicle financing solutions. The financial highlights reveal a strong performance, with a TTM revenue of £205.5 million and a net profit margin of 22.07%, indicating effective management and operational efficiency. Additionally, the attractive dividend yield of 5.91% positions S&U plc as a compelling option for income-focused investors. Overall, S&U plc presents a solid investment opportunity, backed by a strong financial foundation and a clear growth trajectory in its core business segments.
AI Generated • Jul 26, 2026

Industry

Consumer Finance

Sector

Financials

Employees

210

Website

www.suplc.co.uk

Headquarters

Solihull, WMD B90 4QT, GB

SUS Financials

Key Financial Metrics (TTM)

Gross Margin

73.08%

Operating Margin

42.97%

Net Income Margin

22.07%

Return on Equity

9.68%

Return on Capital

9.40%

Return on Assets

4.73%

Earnings Yield

10.00%

Dividend Yield

5.89%

Payout Ratio

53.76%

Stock Overview

Market Cap

£237.24MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

12.15M

Volume

128

Avg. Volume

5.59K

Financials (TTM)

Gross Profit

£148.78M

Operating Income

£90.99M

EBITDA

£91.96M

Operating Cash Flow

£20.65M

Capital Expenditure

-£1.61M

Free Cash Flow

£19.04M

Cash & ST Invst.

£0.00

Total Debt

£241.98M

S & U Performance Analysis

S & U annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20232023-01-31GBP 102,714,00016.9%
20242024-01-31GBP 115,437,00012.4%
20252025-01-31GBP 115,611,0000.2%
20262026-01-31GBP 107,431,000-7.1%
S & U sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-07-31-8.4%
Q42025-01-3173.2%
Q22025-08-05-6.3%
Q42026-01-317.6%
S & U annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20232023-01-31GBP 2.78-11.2%
20242024-01-31GBP 2.09-24.6%
20252025-01-31GBP 1.47-29.6%
20262026-01-31GBP 1.9532.4%
S & U sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-07-313.9%
Q42025-01-31-12.7%
Q22025-08-0537.7%
Q42026-01-315.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

£55.68M

+60.0%

Gross Profit

£41.49M

+86.1%

Gross Margin

74.52%

N/A

Market Cap

£237.24MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

£1.19M

N/A

Employees

200

N/A

Net Income

£12.11M

+30.9%

EBITDA

£24.23M

+16.8%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Total Cash

£0.00

-100.0%

Total Debt

£241.98M

+7.4%

Accounts Receivable

£498.31M

N/A

Inventory

£0.00

N/A

Long Term Debt

£241.59M

+7.8%

Short Term Debt

£386.00K

-63.3%

Return on Assets

4.73%

N/A

Return on Invested Capital

9.22%

N/A

Free Cash Flow

-£48.49M

-133.1%

Operating Cash Flow

-£48.12M

-132.0%

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Questions About SUS

What is the current price of S & U?

S & U is trading at £19.55 per share.

What is the 52-week range for S & U?

Over the past 52 weeks, S & U has traded between £16.20 and £24.59.

How much debt does S & U have?

As of the most recent reporting period, S & U reported total debt of £242.43M.

How much cash does S & U have on hand?

S & U reported £0.00 in cash and cash equivalents in its most recent financial results.

What is S & U’s dividend yield?

S & U currently has a dividend yield of 5.89%.

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